Credit bureau · complaint record
NCD Financial complaints
Filed under NCD Financial, LLC
Consumers have filed 79 complaints about NCD Financial since 2021, 18 of them in the last 12 months (+20% on the year before). It answered 100% on time and closed 0% with relief for the customer. The most common problem is problem with a company's investigation into an existing problem.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 79
- Last 12 months
- 18
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #157 of 566
Since May 2021
+20% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Sep 20, 2026
Most complained-about credit bureaus & report companies
NCD Financial complaints by month
The busiest month was June 2024 (4 complaints). Complaints in the last 12 months are up 20% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How NCD Financial answered all time
- Closed with monetary relief11.3%
- Closed with explanation7898.7%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What NCD Financial complaints are about
Top NCD Financial problems
Inside "Incorrect information on your report"
- Account status incorrect 12
- Information belongs to someone else 12
- Account information incorrect 7
- Information is missing that should be on the report 1
- Public record information inaccurate 1
Where NCD Financial complaints come from
Most complaints: Florida (17), Texas (13), California (7), Illinois (6), Georgia (4).
NCD Financial compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | NCD FinancialCredit reporting | - | 18 | - |
Compare side by side: NCD Financial vs Apple Financing · NCD Financial vs Nav Technologies · NCD Financial vs Opportunity Fund · NCD Financial vs Heritage Financial Group
What people say about NCD Financial
All experiencesNo experiences with NCD Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest NCD Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 18, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 13, 2026 | Credit reporting | Problem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phone | Explained |
| May 27, 2026 | Debt relief & credit repair | Didn't provide services promised | Explained |
| May 1, 2026 | Credit cards | Incorrect information on your reportAccount information incorrect | Explained |
| Apr 22, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Mar 11, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Feb 13, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Feb 2, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Jan 28, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Jan 24, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Jan 23, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
Questions about NCD Financial
How many complaints does NCD Financial have?
NCD Financial has 79 complaints on record since May 2021, including 18 in the last 12 months and 0 in the last 30 days. That makes it number 1,136 of every company by complaints this year.
Does NCD Financial respond to complaints?
Yes. NCD Financial answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with NCD Financial?
The most common problems are problem with a company's investigation into an existing problem (14), incorrect information on your report (33), attempts to collect debt not owed (10).
Is NCD Financial legit?
NCD Financial is a real company with a public complaint record: consumers have complained about it 79 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is NCD Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about NCD Financial going up or down?
Up. There were 18 complaints in the last 12 months against 15 in the 12 before (+20%). See every month.
How do I file a complaint against NCD Financial?
Complain to NCD Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most NCD Financial complaints come from?
Most come from Florida (17), Texas (13), California (7). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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